Icici Emeralde Card: Renew or Close

[agrawalshishir]

Hi i am having ICICI Emeralde alongwith Infinia, Axis Magnus, Vistara Infinite Axis, I was wondering is it worth paying fees for ICICI emeralde.

I do occassionally get some discounts such as on BMS, Swiggy etc but does it justify paying 10k+ Taxes as most of my transactions are diverted on other cards.

 

[Zacobite]

ICICI keep any of their LTF cards for occasional discounts .. rest icici rewards are not great..

 

[NOOBY]

how old is your card ?

try asking your RM/BM to make it LTF if the card is 2-3 year old with good spending in past years.

 

[ADITYA1904]

Hi i am having ICICI Emeralde alongwith Infinia, Axis Magnus, Vistara Infinite Axis, I was wondering is it worth paying fees for ICICI emeralde.

I do occassionally get some discounts such as on BMS, Swiggy etc but does it justify paying 10k+ Taxes as most of my transactions are diverted on other cards.

Close it, its not worth it…

 

[timetraveller]

Close it. None of the cards from ICICI portfolio is worth paying an annual fee, IMHO.

 

[thanix]

Hi i am having ICICI Emeralde alongwith Infinia, Axis Magnus, Vistara Infinite Axis, I was wondering is it worth paying fees for ICICI emeralde.

I do occassionally get some discounts such as on BMS, Swiggy etc but does it justify paying 10k+ Taxes as most of my transactions are diverted on other cards.

Convert it to Emirates co branded if you wish and use Emirates for travel. Else try to make it LTF.

 

[caabhi]

Hi i am having ICICI Emeralde alongwith Infinia, Axis Magnus, Vistara Infinite Axis, I was wondering is it worth paying fees for ICICI emeralde.

I do occassionally get some discounts such as on BMS, Swiggy etc but does it justify paying 10k+ Taxes as most of my transactions are diverted on other cards.

With the card portfolio, you seem to be well covered. You can try to get retention offer for ICICI Emeralde as LTF, otherwise may choose to close it. Don't think it adds any significant value.

 

[manzb]

With the card portfolio, you seem to be well covered. You can try to get retention offer for ICICI Emeralde as LTF, otherwise may choose to close it. Don't think it adds any significant value.

Emeralde is not issued as LTF not even FYF. Better move to other LTF card from ICICI if one wish for occasional ICICI card specific offers.

 

[NewUser]

Hi i am having ICICI Emeralde alongwith Infinia, Axis Magnus, Vistara Infinite Axis, I was wondering is it worth paying fees for ICICI emeralde.

I do occassionally get some discounts such as on BMS, Swiggy etc but does it justify paying 10k+ Taxes as most of my transactions are diverted on other cards.

BMS is covered by Axis Magnus. You can get instant vouchers for Swiggy/Gyftr using Infinia. I think you should downgrade to Sapphiro/Rubyx for an LTF offering that covers ICICI other rare cases.

 

[ADITYA1904]

BMS is covered by Axis Magnus. You can get instant vouchers for Swiggy/Gyftr using Infinia. I think you should downgrade to Sapphiro/Rubyx for an LTF offering that covers ICICI other rare cases.

Also you get additional bookmyshow visa infinite offers on both magnus and infinia too if they are on visa platform…

 

[NewUser]

Also you get additional bookmyshow visa infinite offers on both magnus and infinia too if they are on visa platform…

My Inifinia doesn't work for the VISA Infinite category 😢
The message reads: "Cards starting with the number xxxx are ineligible for this"

 

[vysakh]

Hi i am having ICICI Emeralde alongwith Infinia, Axis Magnus, Vistara Infinite Axis, I was wondering is it worth paying fees for ICICI emeralde.

I do occassionally get some discounts such as on BMS, Swiggy etc but does it justify paying 10k+ Taxes as most of my transactions are diverted on other cards.

What do you get from this 10k+ Taxes card that you don't already get on other cards (that you already hold or are available as LTF)

 

[anirban.choudhuryanirban.choudhury is verified member.]

Hi i am having ICICI Emeralde alongwith Infinia, Axis Magnus, Vistara Infinite Axis, I was wondering is it worth paying fees for ICICI emeralde.

I do occassionally get some discounts such as on BMS, Swiggy etc but does it justify paying 10k+ Taxes as most of my transactions are diverted on other cards.

Don’t renew if paid

 

[agrawalshishir]

The cashback translates to 4% for icici rewards.

It is the same platform reward360 like magnus n infinia.

Lets try for LTF.

 

[Souvik]

For these premium, non-LTF cards, it would take substantial amount of transactions to match it with the rewards and break even with the yearly cost+gst, luxury benefits like hotel stays, airport meet and greet are unnecessary and are not value for money. People often are compelled to spend more than they should for credit card offers, fee waiver etc.

Most of these reward vouchers are sales tactics to divert consumers to specific hotel chains, brands etc.

I normally use LTF cashback cards, which have no such fee waiver stipulation baggage, and have monthly cash credited, after all cash is king any day 🙂

 

[Chaitanya-a]

For these premium, non-LTF cards, it would take substantial amount of transactions to match it with the rewards and break even with the yearly cost+gst, luxury benefits like hotel stays, airport meet and greet are unnecessary and are not value for money. People often are compelled to spend more than they should for credit card offers, fee waiver etc.

Most of these reward vouchers are sales tactics to divert consumers to specific hotel chains, brands etc.

I normally use LTF cashback cards, which have no such fee waiver stipulation baggage, and have monthly cash credited, after all cash is king any day 🙂

Cashback cards are the best anyday.

 

[jack333]

Emeralde is not issued as LTF not even FYF. Better move to other LTF card from ICICI if one wish for occasional ICICI card specific offers.

You can get FYF Emeralde with wealth select account with 25 lakhs and LTF with TRV of 1Cr

 

[Bodhi]

You can get FYF Emeralde with wealth select account with 25 lakhs and LTF with TRV of 1Cr

I tried finding out this information online and via RM, etc. but couldn't find any.

I request you to please confirm the source and any instance where a Wealth Select customer received an Emeralde card FYF or LTF based on the above-mentioned criteria.

Thank you @jack333

 

[manzb]

You can get FYF Emeralde with wealth select account with 25 lakhs and LTF with TRV of 1Cr

I satisfy both qualification plus have a relationship of 23 years, still they refused. Not sure if they have changed their policy in last 2 months or so.

 

[jack333]

If both these don't work you can get on fd of 1cr